Average homeowners insurance cost in Bellevue, WA

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In Bellevue, homeowners pay an average annual rate of $1,458 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,124 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Bellevue, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Bellevue, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Bellevue.

Key takeaways

The average cost of homeowners insurance in Bellevue is $1,458 per year.
Nationwide is the cheapest homeowners insurance company in Bellevue with an average annual premium of $981.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $314 more a year for home insurance.

Average homeowners insurance cost in Bellevue per month

Bellevue homeowners pay an average of $121 a month, based on our rate analysis. It’s $12 less than the state average of $133 and $94 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Bellevue may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Bellevue

In Bellevue, WA, homeowners pay an average of $1,144 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Bellevue

Based on a rate analysis conducted by Insure.com, Bellevue residents pay an average of $1,458 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $314 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Bellevue by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Bellevue. It’s average annual rate for homeowners in Bellevue is $981.

PEMCO holds the second position, while Allstate secures the third spot with an average annual home insurance rate of $1,119.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Bellevue and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Bellevue and their average annual premiums.

Home Insurance Company	Annual rate
Nationwide	$981
PEMCO	$1,051
Allstate	$1,119
Farmers	$1,419
State Farm	$1,339
USAA*	$2,081

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bellevue for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.